The Slovenian Enterprise Fund (SPS) has launched a new public call, P7 2026 – Microcredits 2026, offering favorable financing for micro and small enterprises in Slovenia. The program provides fast access to liquidity, supporting smaller investments and working capital.
What is the Slovenian Enterprise Fund (SPS)?
The SPS is a public financial institution that supports entrepreneurship and the growth of SMEs in Slovenia. The call is financed through the Fund of Funds of SID Bank, the Slovenian Export and Development Bank.
Purpose of the Call
Provide repayable financing to micro and small enterprises
Cover eligible business and project costs presented in the application
Support business continuity, growth, and liquidity
Available Funds
Total allocation: EUR 10 million
Published: 23 January 2026 in the Official Gazette of the Republic of Slovenia No. 5/2026
Amount of Financing
EUR 5,000 to EUR 25,000 per company
100% coverage of eligible costs
One microcredit per company only
Companies financed under P7 2025 or P7L 2025 are not eligible
Loan Conditions
Repayment period: 2 to 5 years
Moratorium: 1 to 6 months, extendable up to half of the loan maturity
Interest rate: 37.5% of 6-month EURIBOR + 0.8% fixed margin
Security: 8 company bills of exchange
Fees: No approval or management fees
Who Can Apply
Micro or small enterprises with a registered office in Slovenia
Legal forms: sole proprietor, limited liability company, cooperative with limited liability
At least one full-time employee
Company established and operating before 1 January 2024
Same tax number for at least 6 months prior to application
Credit rating: SB1 to SB7
Company not in difficulty
Company not operating in an excluded sector
Compliance with de minimis state aid rules
Eligible Costs
Tangible fixed assets: purchase of new equipment
Intangible fixed assets: patents and licenses
Material and merchandise costs
Service costs
Labor costs: net salaries, income tax, social contributions, meal costs, allowances
Related VAT charged on eligible costs
Non-Eligible Costs
Purchase of vehicles for road transport of goods
Construction, purchase, or renovation of business real estate
Solar power plants and energy storage facilities
Timing of Eligible Costs
Costs incurred up to 6 months before application submission
Costs incurred up to 18 months after loan approval
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